Free tool
Roofing workers' comp calculator
Estimate your California roofing workers' comp premium by splitting payroll between the low-wage (5552) and high-wage (5553) codes, and see what moving workers to $33 an hour would save.
1. Estimate your premium
5552 Low wage under $33/hr
Premium $0
5553 High wage $33/hr and up
Premium $0
Minimum premium: Carriers charge a minimum of about $7,000 a year for roofing workers' comp, paid in full, so small payrolls and owner-only policies usually pay at least that.
Example rates shown are WCIRB advisory pure premium rates effective Sept 1, 2026. Carrier rates are higher and vary by company. Replace them with the rates from your policy or quote.
2. Does a raise to $33 pay for itself?
A worker at $32 an hour is rated in 5552. At $33 they move to 5553. Enter workers who are just under the threshold.
| Stay under $33 (5552) | Raise to $33 (5553) | |
|---|---|---|
| Wages | $0 | $0 |
| Workers' comp | $0 | $0 |
| Total cost | $0 | $0 |
Uses the rates and experience mod from section 1. Payroll taxes and other wage-based costs aren't included. The threshold applies to each worker's regular hourly rate; overtime premium, bonuses and per diem don't count.